Northpointe Bank in New York vs the state
8.8%Denial rate-10.93 pts vs state
15.5%Decision denial rate-8.52 pts vs state
48.0%Origination rate-11.55 pts vs state
6.88%Median rate+0.25 pts vs state
0.44Rate spread (pts)+0.23 pts vs state
$163kMedian applicant income
49Loans originated
9Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 191 | 70 | 12.0% | 6.63% | #207 |
| 2024 | 45 | 22 | 13.3% | 6.88% | #332 |
| 2025 | 102 | 49 | 8.8% | 6.88% | #265 |
What Northpointe Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 21 | 7 | 3 | 14.3% |
| Suffolk County | 11 | 4 | 0 | 0.0% |
| Dutchess County | 7 | 5 | 0 | 0.0% |
| Queens County | 5 | 3 | 0 | 0.0% |
| Albany County | 5 | 4 | 0 | 0.0% |
| Orange County | 5 | 2 | 1 | 20.0% |
| Essex County | 5 | 4 | 0 | 0.0% |
| New York County | 4 | 0 | 1 | 25.0% |
| Westchester County | 4 | 2 | 0 | 0.0% |
| Warren County | 4 | 3 | 1 | 25.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 102 applications in 2025, of which 49 were originated and 9 denied.
8.8% of all applications, or 15.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Northpointe Bank originated in New York in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology